eirefinq I'd have to disagree with you on your vociferous advocacy of the pension contribution. The OP is simply not in a position to do what you suggest and the suggestion is of little value to the OP's current plight or future well-being, they have to deal with the elephant in the room first. While planning for the future is always laudable -I think in this case the pension has to go on the back-burner, it isn't worthwhile to pay into basically savings while carrying such high-interest debt. It would be more sensible to look at it as a LONG term goal and PLAN it over the next thirty years rather than thirty months.
OP, I think from your original post you have already started to tackle your debt head on. The suggestion transferring the cc debt to a zero interest card is definitely worth chasing up but you would still be intending paying your credit card debt. Fundamentally what you are saying is that you can't afford to live and to repay your debt at your current income level. 2500 in less 2700 out means a continuing overspend of 200 pm.
Your estimated outgoings of 2700, what proportion of that is debt-related? I am guessing your mortgage is the largest chunk? But it would seem to me that there is very likely 2000 of repayments there?
The repayments on your credit card - are they minimum repayments or are you paying more than minimum in that amount?
Your cost of living estimates, have you calculated a monthly equivalent for expenses that are not incurred on a monthly basis (car tax, insurance, etc).
You restructured your CU loan already because your circumstances had changed. They have changed again, there is no rule which says that you can only ever restructure once. You need to be upfront with each of your creditors and renegotiate each debt so it becomes affordable.
It may also be worth rethinking about taking in a tenant. Have a look at the rental market in your area and see if it is an option. As for furnishings, you could try looking on the freecycle websites (
www.jumbletown.ie,
Dublin Waste) for a base for a bed, then all you will need to do is source a mattress. Bedding could be available at your local Gorta shop or Rehab shop etc. There are options other than walking into a furniture shop and handing over cash. You should investigate them. Renting the house as a whole would probably require that room to be furnished anyway so either way it would have to be done.
Extending your mortgage to include some of your other debts (I think you were talking about including at least 18.5k [13k + 9.5k - 4k]) may not be easy. Based on your estimate above you have a LTV ratio of 85% at the moment. Including the 18.5k would push your LTV ratio to almost 92% - this may not be feasible in the current climate. I am not saying don't try, even though I wouldn't advocate rolling short-term debt over a very long-term mortgage - sometimes it is the most liveable option.